monthly deaths of the consumer, such as taxes and insurance, generally cannot add up to more than 43% of their monthly gross income. no standard is perfect, but the standard here provides a clear line with a measure of protection to borrowers that have increased certainty in the mortgage market. host: i want to bring in a few callers on this subject for you. oklahoma city, oklahoma, democratic line. good morning, vernon. caller: i am tickled to death that the government is setting the rules for the financial industry when it comes to the home market. people worked all their lives to provide a home and held for ways to get it paid off before they retire. this is the one area that the government needs to regulate and regulate closely and i am glad we're finally doing that. now, of course, we have drawn a line in the sand that we can hopefully reclaim. can we hope that it will ever change back to what we thought we had been through? guest: an excellent question. another one to add to that is -- will the regulators have the appetite to regulate this closely? making sure that banks are abi